Whatever your circumstances,
we’ll find the right loan for you


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About Us

Rala was founded in 1996 with a clear goal: to provide a real estate finance partner that is both trustworthy and resourceful. We stand out from other mortgage brokers because our final charge is tied to the quality of the loan deal we secure for our customers.

So if you’re looking for a home equity loan but can’t get approval from your bank, we are the people to speak to. We strive to ensure that every deal we make is as empowering and effortless as possible.


30+ Years In
Private Financing


Score Of
BBB A+


Established
in 1996


30+ Years In
To Mortgage


30+ Years In
Private Financing


Score Of
BBB A+


Established
in 1996


30+ Years In
To Mortgage

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30+ Years In
Private Financing


Score Of
BBB A+


Established
in 1996


30+ Years In
To Mortgage

Our Process

Our Main Services

Home Equity Loans

A home equity loan is a simple, one-off loan payment taken out against the value of your home. It’s a great way to finance renovations that will ultimately increase your home’s value.


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Second Mortgage

Taking-out a second mortgage can help you unlock the equity value in your home without having to sell it. It is particularly useful if you have a low rate on your first mortgage.


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Bad Credit Mortgage

If you’ve experienced financial problems in the past, you might have a poor credit rating. But through our huge network of lenders, we will find you a lender who understands your circumstances.


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Credit Repair

All sorts of things can damage your credit, from identity theft to unpaid college debt. But we can help you repair it by, for instance, disputing mistakes on your information made by credit agencies.


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About Allan & Vik

Allan has been a mortgage broker for over thirty years. He specializes in hard-to-place mortgages and provides other mortgage brokers with sources of private financing, both residential and commercial. Running a small independent brokerage allows Allan to avoid red tape and offer flexible solutions to his clients.

Allan’s main hobby is thoroughbred horse racing. He enjoys competing in handicapping contests and visiting racetracks throughout North America.

Vik Mann has been a mortgage broker at Rala Investments Ltd. since 2012. During his time at Rala, he has worked on and completed 1st, 2nd, and 3rd mortgages.

Vik has established key relationships with private lenders across BC over the last few years. In the tough environment of 2nd and 3rd mortgages, he’s been very successful in both commercial and residential markets. Vik worked in construction development prior to Rala; he has extensive knowledge and experience with construction-related dealings.

Our Guarantee

No Charge Until The Deal Is Done

Because we value our customers, you won’t face any charges until your loan agreement is fully approved and the loan is already on its way to your account.

Charge Based On Risk, Not Lender’s Fee

Unlike other mortgage brokers, who aren’t always completely upfront, our charge is based on the risk associated with your loan, not on any undeclared finder’s fees.

No Undisclosed Lender’s Finder Free

We offer a service that is totally transparent and, as far as possible, operates in consultation with you, which is why we will never impose undisclosed finder’s fees on you.

No Financial Product Up-Selling

Our approach to business is based on trust and integrity, so we won’t try to attach any financial products to your loan agreement that you don’t need.

Testmonials

Anna Myers

After having dealt with different mortgage brokers for my bad credit mortgage issues, I have to say Rala investments had the quickest and the easiest process to deal with. There was never the problem of them requesting documents repeatedly from me after every process. Everything was done in a single shot and I was given regular updates on the progress. The service was prompt and quick.

John Alexander

Thank you Allan for helping me throughout my mortgage process. Your straight forward and balanced opinions gave me a sense of security and confidence. I also have to mention how quickly you responded to my queries and requests even on your days off. I will definitely recommend your service to my friends and family.

Case Studies

Loan for starting a business with Bad Credit

John has spent the bulk of his working life in the transport sector. But he recently retrained so he could get a new job in manufacturing. The shift has been really positive for him, and his new experience has given him a business idea. John’s dream is to run his own company, so he started putting together a blueprint for his own small business.




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Tips & Strategies

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Business Loan with Bad Credit


Business Loan with Bad Credit

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Private Lending Case Study


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Things You Must Know Before You Buy Rental Property


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Finding The Right Loan For You


Being rejected by mainstream lenders doesn’t mean you should be deprived of a loan that meets your needs



Talk to Us
Talk to us ( 604-229-4899 )